| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CENTER NW STE 200 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $14K | — | $14K | 1.99% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CTR NW STE 200 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $9K | $36K | 9.09% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CENTER NW STE 200 GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 9.92% |
| DEBORAH J. STOTLER3 | 317 W. MONROE RD HART, MI 49420 | COMBINED INSURANCE COMPANY OF AMERICA | $455 | — | $455 | 2.46% |
| BENJAMIN HUNTER3 | 11193 GUY ST FISHER, IN 46038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 1.05% |
| DARIAN NULL3 Filed as: DARIAN W NULL | 248 GROOM AVE COVINGTON, TN 38019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.77% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVE SUITE 203 TRAVERSE CITY, MI 49686 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.57% |
| JOHN F MOORE3 | PO BOX 507 HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.39% |
| HAYS COMPANIES, INC.3 Filed as: SCOTT K HAYS | 1140 JAMES BLVD SIGNAL MOUNTAIN, TN 37377 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.33% |
| ELIZABETH E REEVES3 | 1200 MOUNTAIN CREEK RD #102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.15% |
| BRADLEY J LOWRAN3 | 9553 WALKABOUT LN TRAVERSE CITY, MI 49684 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.15% |
| GREGORY CRAWFORD3 Filed as: GREGORY E CRAWFORD | 1111 S WESTWOOD DR MIDLAND, MI 48640 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.15% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.11% |
| F DALE CAMERON3 | 7617 WILDERNESS PATH ROAD CORRYTON, TN 37721 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.08% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 242 HERITAGE PARK DR STE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| AUSTIN T RADER3 | 242 HERITAGE PARK DR STE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD STE. 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| JOSEPH L LEDOUX3 | 674 WATSON BRANCH DRIVE FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| CHARLES HARTHUN3 | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 2,257 | $713K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,603 | $102K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,174 | $412K |
| Short-term disability(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 75 | $29K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,174 | $394K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,174 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,257 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.